I used to work in bank fraud detection/prevention. In general, adding a small barrier is often enough to cut crime rate drastically. This is why people lock the

I used to work in bank fraud detection/prevention. In general, adding a small barrier is often enough to cut crime rate drastically. This is why people lock their doors even though a robber can break a window, or why people hide their phones in their shoes at the beach even though a thief can just check under everyone's shoes. These small barriers are actually very effective because they increase effort and the risk of being caught. Checks are by far the most frauded financial instrument and at the highest dollar amounts. It's basically the financial equivalent of keeping your door unlocked or your phone laying around unattended. http://www.stopcheckfraud.com/statistics.html http://www.stopcheckfraud.com/statistics.html No one should use checks, and no one should accept them.